Hibiscusmatters 15 December 2010 | 21
Finances with Wayne Ross, Newton Ross www.newtonross.co.nz
Wealthy and wise The New Year is traditionally a time for reflection and resolution. At the risk of being at odds with one of the key Government messages of the day – that you must save for your retirement – perhaps this is a good opportunity to reflect on what it is that will really make you wealthy. Many people define being wealthy as rich and affluent. Certainly this is important but in our experience it is also about general wellbeing and happiness. Unfortunately often these aspects are overlooked in the drive to build a larger and larger nest egg. How often have you seen someone work hard all their lives and forgo their own enjoyment, only to miss out on reaping the rewards later in life through ill health, untimely death or unforeseen financial disaster? The world in which we live, work and play is rapidly changing. Many would argue that working hard for 40 to 60 hours a week primarily to save money just to end up giving it to the kids is an out-dated concept. Why wait until retirement to try all the things you really want to be doing now? The kids have already cottoned onto this concept with employment trends suggesting Generation Y are more than willing to forgo higher salaries now for more flexibility and personal time. Of course some level of savings is critical to ensure that you are not going to be reliant on the state to fund your retirement lifestyle. Good luck to anyone under 30 who believes the Government will be still handing out a universal pension when they reach retirement age. And we are only talking here about spending money you have actually earned. Borrowing and spending someone else’s money can be a recipe for disaster as the recent global financial crisis has shown. So if you do decide on a New Year’s resolution to become wealthy, I recommend taking some time to consider what that really means to you and your family. By all means work out the dollars and cents but don’t forget to include those lifestyle options in your budget. You may find you get to be both wealthy and wise quicker than you think. Wishing you a very merry Christmas and a prosperous New Year. A disclosure statement is available free of charge at www.newtonross.co.nz
M EA fo Ca SU r a ll n R FR ow E & EE Q U O TE
Even before Christmas has said Hello, it’s saying ‘Buy Buy.’ — Robert Paul Christmas day is a day of joy and charity. May God make you very rich in both — Phillips Brooks
HOMEPLUS RODNEY With summer just around the corner there is no better time to sort those sun traps. A HomePlus awning keeps your family and patio furniture cool and protected from hot sun, showers or harmful UV rays far better than a tippy umbrella or other shade device. An awning also retracts back against your house easily when you want to enjoy the sun.
Awnings 09 425 7053 137M
16-18 Morrison Drive email@example.com
Abuse: Verbal, physical, psychological, is discussed in a confidential supportive gathering of those locals experiencing the pain and suffering of these issues. All ages welcome, 15–85. Txt first name to 021 457 188 for details. ALCOHOLICS ANONYMOUS meet Fri 7.30pm, Orewa Community Centre (behind Estuary Arts Centre) Ph John 027 646 2995, 0800AA WORKS. BUSINESS & PROFESSIONAL WOMEN’S CLUB (BPW) $2,000 Tertiary student award 2011. Open to all present or past female Hibiscus Coast residents. Criteria & Application form available from: BPW Study Award, PO Box 656, Orewa or phone Jenny 426 0407 or email firstname.lastname@example.org Applications close December 31. Christmas Church Services: Christmas Eve, 8.30 pm, Manly Methodist Church, 945 Whangaparaoa Rd. Christmas Day 9.30 am, Red Beach Methodist Church, 76 Red Beach Rd. Rev. Val Nicholls. All welcome. Christmas in Words & Music Choir with guest-soloists, led by Harold Laughton; includes Christmas anthems, "O Holy Night", "Messiah" excerpts etc. All welcome. Manly Methodist Church, 945 Whangaparaoa Rd, 10.30am Sun. 19 Dec. Combined rodney seniors 19 Day Easter break on the Costa Classica Cruise Ship. 4 days Singapore, 15 day cruise around Malay Peninsula. Departs April 5, 2011. Returns April 24. Subject to availability. From $3,750. Book and deposit now. Tour host - Joan ph 021 078 4296, fax 424 7545.. Congratulations to Margaret Churcher, winner of Whangaparaoa Playcentre's Xmas Hamper Raffle. A big thank you to all our sponsers and everyone who bought tickets. Driving Miss Daisy - Give the gift of independence this Christmas, buy a gift voucher for: Companion shopping with your own driver, Driving to medical appointments or hairdresser etc, Personalised outings, such as afternoon tea or a concert. For more info or to buy vouchers ph Gilly 428 4490. Drummers needed experienced - to help with tuition. Others wanted from 10yrs over to learn bagpipes and drums - Free tuition. Learners, experienced and supporters welcome. Weekly Wednesday meetings at Silverdale 7.30pm–9.30pm. Please phone Gloria Pointon ph 424 7244 or Bob Logan 09 420 3078. HBC Highland Pipe Band. Gambling HelplinE – professional counsellors available 24 hrs to help those suffering from gambling problems or affected by another’s gambling. Immediate free, confidential support ph 0800 654 655 anytime. I am a Massey University Master’s degree in Psychology student who would like to talk to 6-8 people about their experiences of gynaecological cancer diagnosis and treatment. Confidentiality and anonymity will be respected. For more info Ph Adele Smit on 021 031 3363.
Hibiscus Coast basketball team are looking for anyone with basketball coaching experience to coach or be assistant coach to any one of the Hibiscus Coast teams. If you are Interested and want to know more check out the web site www.hcba.org. nz or Ph Debbie Challis 424 2624 or Damian Crampton 428 4181. HAPPY STITCHERS meet every Thurs1-4pm.to stitch, bead, patchwork, embroider, knit etc , learn new crafts. Pohutakawa Room, Wgp Library. Ph Val 424 0476 for details. Kate's Preschool Music Group Orewa Community Hall. Wednesdays 10am. $4per child. No waiting lists. Ph Kate Morrison 426 7352 / 021 170 8513. LAW OF ATTRACTION Fun and friendly coffee group on the Coast. Come along for sharing and inspiration based on the Law of Attraction / The Secret. Ph Jolene 428 3102 Email beachside@ orcon.net.nz
MANLY VOLUNTEER FIRE BRIGADE would like to thank the
10 Day Challenge sponsors: Ultimate Escape, Canoe & Kayak - North Shore, Manly Care Chemist, Driving Miss Daisy Hibiscus Coast, Supercity Electrical, Dare to Dance and Absolute Foods. OREWA TWILIGHT CROQUET, Hatton Rd. Thurs 5.30pm till dark. Come have a go! Stay for a chat! Order your takeaways - we'll collect them. $3 green fees. Ph Janet 426 8686 or Keith 09 959 0228. PRESCHOOL MUSIC and DANCE Come and enjoy the magic of music and dance with your preschooler(s) using hoops, shakers, scarves, ribbons, parachute etc. Mon 10.30am, Centrestage. Tues 10.30am, Wgp Baptist Church. Ph Judith Douche 424 3009. SAFE’S SPECIAL CHRISTMAS Annual Street Appeal, Against Animal Cruelty. Fri-Sat, Dec 17–18. Collectors wanted. Go in the draw to win a $500 prize hamper. Dress in your favourite animal costume. www.safe.org.nz/ 0800SAVEUS SAVES LIVES, GIVE BLOOD Donate blood. Whangaparaoa Ratepayers Hall, 717 Whangaparaoa Rd. Thurs Dec 30, 9am-2pm. spiritual centre-meets fortnightly in Orewa,medium on platform & healing offered. Ph Lynda 424 1998. The Great Manly Art Show, December 28. 77 The Esplanade, Manly Beach, 10.30am. Work by local artists for sale. Devonshire teas. Free admission. The Music of Christmas 8pm, Dec 24. Join us for a fun, family cafe-style celebration of the birth of our Lord and Saviour, Jesus. Orewa Community Church 235 HBC H/way. Entrance Amorino Dr. Red Beach. Whangaparaoa Indoor Bowling Club wishes everyone a Happy Christmas and New Year. Club re opens Mon Feb 21 and Thurs Feb 24, Enquries Ph Anne 426 4714. We are creating a group of cross stitchers in the area to get together once a month for cuppa, chat and stitching. If interested email: judy71@ maxnet.co.nz to show interest.